USAA Rewards™ Visa Signature® Credit Card
in Personal Credit Cards from USAA
Cast your vote
Would you recommend USAA Rewards™ Visa Signature® Credit Card to your friends?
| Community Rating | Mostly recommended |
| Balance Transfer APR (Variable APR) | 9.9% - 25.9% |
| Credit Score Range | 700 - 850 |
| Annual Fee | $0 |
| Purchase APR (Variable APR) | 9.9% - 25.9% |
| Rewards Rates |
|
| Number of Reviews | 10 |
USAA Rewards™ Visa Signature® Credit Card Review
USAA Rewards™ Visa Signature® Credit Card is a rewards credit card issued by USAA. If you're wondering whether USAA Rewards™ Visa Signature® Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.
Key takeaways:
- Signup bonus. Offers a signup bonus of 2500 points that can be redeemed for travel, gifts, or other perks.
- Competitive APRs. USAA Rewards™ Visa Signature® Credit Card has a variable purchase APR that ranges from 9.9% up to 25.9%.
- No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
- 3% Balance transfer fee. USAA Rewards™ Visa Signature® Credit Card charges a fee of up to 3% on balance transfers. For example, a balance of $1,000 could cost up to $30 in transfer fees.
- $0 foreign transaction fee. This card does not charge foreign transaction fees, which makes a great credit card to carry with you when traveling abroad.
- Gas rewards.
- Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, extended warranty protection on purchases, price protection, travel accident insurance, travel assistance, trip cancellation insurance, and fraud protection.
- Good or better credit required. You should probably try with another card if your credit score is below 700.
USAA Rewards™ Visa Signature® Credit Card Pros and Cons:
| The Good | The Bad |
|---|---|
|
|
Is there a USAA Rewards™ Visa Signature® Credit Card cash back or rewards program?
USAA Rewards™ Visa Signature® Credit Card offers a rewards program to its customers.
| Rewards rate (all purchases) | 1% |
| Max rewards rate | 2% |
| Annual rewards limit | N/A |
| Signup Bonus ($) | N/A |
| Signup Bonus (Points/Miles) | 2500 |
Does USAA Rewards™ Visa Signature® Credit Card have a signup bonus?
USAA Rewards™ Visa Signature® Credit Card doesn't offer a cash signup bonus. However, it does include a 2500 points signup bonus that can be redeemed for travel, gifts, or other perks.Does USAA Rewards™ Visa Signature® Credit Card offer an annual loyalty bonus?
USAA Rewards™ Visa Signature® Credit Card doesn't offer a cash loyalty bonus.What are the USAA Rewards™ Visa Signature® Credit Card benefits?
USAA Rewards™ Visa Signature® Credit Card provides the following benefits:
- Free Credit Score
- Auto Rental Collision Damage Waiver
- Emergency Support
- Extended Warranty Protection
- Trip Cancellation Insurance
- Zero fraud liability
- Price Protection
- Travel Accident Insurance
- Travel Assistance
- ID Theft Protection
- Reports to major credit bureaus
What are the relevant APRs for USAA Rewards™ Visa Signature® Credit Card?
According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. USAA Rewards™ Visa Signature® Credit Card has lower than average purchase APRs.USAA Rewards™ Visa Signature® Credit Card has a variable purchase APR that ranges from 9.9% up to 25.9%. The card has a variable balance transfer APR that ranges from 9.9% up to 25.9%. It also has a variable cash advance APR that ranges from 9.9% up to 25.9%.
Does USAA Rewards™ Visa Signature® Credit Card have an introductory APR offer on balance transfers?
No, USAA Rewards™ Visa Signature® Credit Card does not come with an introductory APR offer for balance transfers.Does USAA Rewards™ Visa Signature® Credit Card have an introductory APR offer on new purchases?
USAA Rewards™ Visa Signature® Credit Card does not offer an introductory rate on new purchases.| Description | |
|---|---|
| Introductory Rate | N/A |
| Purchase Intro APR Period (months) | N/A |
What are the fees for USAA Rewards™ Visa Signature® Credit Card?
The following fees apply to USAA Rewards™ Visa Signature® Credit Card:
- There is no overlimit fee
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Overlimit Fee | $0 |
| Foreign Transaction Fee | 0% |
| Returned Payment Fee | $35 |
| Late Payment Fee | $35 |
Does USAA Rewards™ Visa Signature® Credit Card have a foreign transaction fee?
USAA Rewards™ Visa Signature® Credit Card does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.Does USAA Rewards™ Visa Signature® Credit Card report your account activity to credit bureaus?
USAA Rewards™ Visa Signature® Credit Card reports your account activity to the following credit reporting agencies:
- Equifax
- Experian
- Transunion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and can help improve your credit score.
How to apply for USAA Rewards™ Visa Signature® Credit Card
- Visit the USAA Rewards™ Visa Signature® Credit Card website.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
- If you're denied click here to find out why your application may have been rejected and what you can do about it.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
USAA REWARDS™ VISA SIGNATURE® CREDIT CARD Disclosure:
Earn 2X points per dollar spent on gas and dining Earn one point for every dollar spent on all purchases Get 2,500 bonus points with your first purchase
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Contact
- Headquarters
-
9800 Fredericksburg Road
San Antonio, TX 78288 - Visit Site
Other Services by USAA
View all personal credit cards offered by USAA
Availability
Available in 50 states and Washington, D.C.
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Washington, DC
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| Gas (Points) | 2 |
| Every Purchase (Points) | 1X points on all other purchases |
USAA Rewards™ Visa Signature® Credit Card Community Reviews
Would you recommend USAA Rewards™ Visa Signature® Credit Card to your friends?
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Balance Transfer APR
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10.9% - 25.9%
(Variable APR)
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Balance Transfer APR
10.9% - 25.9%
(Variable APR)
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680 - 850
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$0
Purchase APR
10.9% - 25.9%
(Variable APR)
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10.9% - 25.9%
(Variable APR)
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680 - 850
Annual Fee
$0
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10.9% - 25.9%
(Variable APR)
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